BlastPoint's Credit Union Scorecard
FIDELIS
Charter #11380 · NY
<100M
2508 CUs in <100M nationally
179 in NY
FIDELIS has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.34% above tier average
- + Net Interest Margin 1.24% above tier average
- + Deposit Growth Rate: Top 1.0% in tier
- + Net Worth Ratio: Top 2.4% in tier
- + Asset Growth Rate: Top 3.2% in tier
- + AMR Growth Rate: Top 5.6% in tier
- + Efficiency Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 2.9% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Total Assets: Bottom 4.1% in tier
- - Total Loans: Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
336
+3.4% YoY+0.3% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$725,732
+13.7% YoY+1.7% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.1% in tier |
| Loans |
$226,305
+1.6% YoY-4.1% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.5% in tier |
| Deposits |
$440,839
+27.0% YoY+2.3% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.5% in tier |
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| ROA |
2.5%
+16.1% YoY-1376.1% QoQ
|
+2.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 3.2% in tier |
| NIM |
5.2%
-5.4% YoY+13.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
52.6%
-14.3% YoY-48.3% QoQ
|
-38.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
0.8%
-39.9% YoY+109.0% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
51.3%
-20.0% YoY-6.2% QoQ
|
-7.2% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$1,986
+13.2% YoY-0.3% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
25
Deposit Growth Rate
growth
Value:
27.00%
Peer Median: 0.66%
#25 of 2508
Top 1.0% in <100M tier
60
Net Worth Ratio
risk
Value:
39.21%
Peer Median: 14.28%
#60 of 2508
Top 2.4% in <100M tier
80
Return on Assets (ROA)
profitability
Value:
2.49%
Peer Median: 0.61%
#80 of 2508
Top 3.1% in <100M tier
82
Asset Growth Rate
growth
Value:
13.66%
Peer Median: 1.30%
#82 of 2508
Top 3.2% in <100M tier
142
AMR Growth Rate
growth
Value:
13.23%
Peer Median: 1.27%
#142 of 2508
Top 5.6% in <100M tier
150
Efficiency Ratio
profitability
Value:
52.57%
Peer Median: 81.45%
#150 of 2508
Top 5.9% in <100M tier
216
Net Interest Margin (NIM)
profitability
Value:
5.25%
Peer Median: 3.83%
#216 of 2508
Top 8.6% in <100M tier
Top Weaknesses (8 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2437
Average Member Relationship (AMR)
engagement
Value:
$1,986
Peer Median: $13,926
#2437 of 2508
Bottom 2.9% in <100M tier
2420
Total Deposits
balance_sheet
Value:
$440,839
Peer Median: $18.77M
#2420 of 2508
Bottom 3.5% in <100M tier
2405
Total Assets
balance_sheet
Value:
$725,732
Peer Median: $21.86M
#2405 of 2508
Bottom 4.1% in <100M tier
2396
Total Loans
balance_sheet
Value:
$226,305
Peer Median: $9.48M
#2396 of 2508
Bottom 4.5% in <100M tier
2395
Loan-to-Member Ratio (LMR)
engagement
Value:
$673.53
Peer Median: $4,923
#2395 of 2508
Bottom 4.5% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2285
Total Members
engagement
Value:
336
Peer Median: 1,918
#2285 of 2508
Bottom 8.9% in <100M tier